5614 Georgia St Lot 1Orange BeachAL36561
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 5614 Georgia St Lot 1, Orange Beach, AL, 36561 in Orange Beach. At $279,000 it earns $1,890/mo in rent and distributes $315/mo to the owner after the $1,255/mo payment, a consistent 8.13% yield. DSCR 1.51 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $77,083 in value; $2,570/yr in principal paydown compounds ownership stake. Total projected return: $125,396.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.2% |
| Monthly Cash Flow | $315 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,890 |
| Total Monthly Debt Service | $1,464 |
| DSCR Ratio | 1.29x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in N/A
10,497 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36561, Orange Beach, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,068 (100%) |
| Owner Occupied HU | 3,266 (20.3%) |
| Renter Occupied HU | 916 ( 5.7%) |
| Vacant Housing Units | 11,886 (74.0%) |
| Median Home Value | $532,092 |
| Average Home Value | $613,951 |
Housing Distribution
Address Breakdown
Residential
12,184
Single Family
5,063
Multi-Family
7,121
Businesses
766
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in N/A
10,497 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36561, Orange Beach, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,068 (100%) |
| Owner Occupied HU | 3,266 (20.3%) |
| Renter Occupied HU | 916 ( 5.7%) |
| Vacant Housing Units | 11,886 (74.0%) |
| Median Home Value | $532,092 |
| Average Home Value | $613,951 |
Housing Distribution
Address Breakdown
Residential
12,184
Single Family
5,063
Multi-Family
7,121
Businesses
766
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jordan Epperson • EXIT REALTY ORANGE BEACH
Mls Name: EXIT Realty broker feed
Mls ID: #386319